The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$18,855
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,442
−HK$596/mo
Today · 4.125%
HK$20,038
baseline
▲ 0.50% · 4.625%
HK$21,257
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,076/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,977
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,539
−HK$571/mo
Today · 4.125%
HK$22,110
baseline
▲ 0.50% · 4.625%
HK$23,275
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,220/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,627
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,330
−HK$715/mo
Today · 4.125%
HK$24,045
baseline
▲ 0.50% · 4.625%
HK$25,509
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,090/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,172
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,847
−HK$685/mo
Today · 4.125%
HK$26,532
baseline
▲ 0.50% · 4.625%
HK$27,930
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,064/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,398
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,219
−HK$834/mo
Today · 4.125%
HK$28,053
baseline
▲ 0.50% · 4.625%
HK$29,760
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,106/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,367
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,155
−HK$799/mo
Today · 4.125%
HK$30,954
baseline
▲ 0.50% · 4.625%
HK$32,585
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,908/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,940
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,996
−HK$1,072/mo
Today · 4.125%
HK$36,068
baseline
▲ 0.50% · 4.625%
HK$38,263
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,136/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,758
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,770
−HK$1,028/mo
Today · 4.125%
HK$39,798
baseline
▲ 0.50% · 4.625%
HK$41,896
+HK$2,098/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,596/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,071 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).